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Courtesy Pay

Courtesy Pay is a discretionary service we provide to our members to protect you in the event you accidentally overdraw your checking account. This service pays checks, ATM transactions¹, debit card transactions¹, and ACH charges on your behalf in situations where you may have insufficient funds. This service is applied only after your other overdraft protection options, if any, have applied.

Courtesy Pay Features:

$5.00 fee per item only when used (in addition to the NSF fee of $30.00)

Courtesy limit of up to $1,000.00 on your qualifying checking account

All check transactions are covered automatically

¹Debit and ATM transactions are covered only when you opt-in (Courtesy Pay Plus)

Skip the embarrassment of bouncing a check and/or the fee from both institutions

Have the flexibility you need to access money in unforeseen circumstances

Avoid the hassle and expense of having to make alternate payment arrangements

What are the standard courtesy pay coverages that come with a SAFCU checking account?

Courtesy pay is available to qualified members with a checking account in good standing and positive activity.

We do authorize and pay overdrafts for the following types of transactions:

ACH, checks, and other transactions made using your checking account number

Automatic bill payments

We do not authorize and pay overdrafts via courtesy pay for the following types of transactions unless you opt in (see opt-in information below):

ATM transactions

Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

How much does courtesy pay cost?

There is no fee to opt-in and become eligible for this service, nor is there a fee unless you actually overdraw your account and we choose to honor the transaction. Please see our fee schedule for courtesy pay fee.

How to opt-in for courtesy pay plus on ATM and everyday debit card transactions.

You can opt in for this additional coverage at any time. We offer several convenient ways for you to opt in:

*APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN.

**APY = ANNUAL PERCENTAGE YIELD. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.

WE PROVIDE LINKS TO THIRD PARTY PARTNERS, INDEPENDENT FROM SANTA ANA FEDERAL CREDIT UNION. THESE LINKS ARE PROVIDED ONLY AS A CONVENIENCE. WE DO NOT MANAGE THE CONTENT OF THOSE SITES. THE PRIVACY AND SECURITY POLICIES OF EXTERNAL WEBSITES WILL DIFFER FROM THOSE OF SANTA ANA FEDERAL CREDIT UNION CREDIT UNION.